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Confirmed Lender

Northpointe Bank (19 years experience)

Purchase Loan,

Add personality to your profile! Tell the community about yourself, your home, and your profession.

Northpointe Bank is one of the highest rated lenders on the Zillow mortgage marketplace because we are focused on delivering the best value to our clients.

This means more than just delivering the lowest rates and fees, but also delivering an exceptional client experience. The mortgage process is simply more challenging that it was in years past. You need to work with a lender focused on helping you navigate those challenges, and who does their best to limit those challenges for you.

We are committed to letting the numbers speak for themselves. You won't get a sales pitch; you will get honest numbers and the best options for your needs.

Thank you for your interest, time and consideration

Alan Lacey

On behalf of the Northpointe Bank Zillow team

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Ratings & Reviews


01/24/2015 - jbrams
Closed refinance loan. Napa, CA

I refinanced with Joshua Barthel last year to drop my rate with pretty close to no cost (took a couple months of payments to break even on the difference). He was able to offer the best rate and lowest fee of any bank or broker at the time (though two other brokers were able to match those rates/fees).

Josh was always quick to reply by email (usually less than 24 hours, little longer on the weekends but can't complain about that). He's busy at times when rates drop, but still picks up the phone or calls back the same day.

Like nearly all Zillow offers, his quote did not initially include the Title fees which are around $500 (again, like most if not all other quotes on Zillow). This was a surprise, but I understand it's common - not a mark against him, though it is against Zillow's quote system.

The best/main part of the service was the cost and low rate. Nothing fell through the cracks and I wasn't concerned about dishonesty or other issues I've faced when dealing with other brokers (from Zillow and elsewhere). I'd have preferred if my local broker could have offered a similar rate, but they just couldn't come close so I was happy to use Josh at NorthPointe and he's as good as you could want in an on-line broker refi.

They kept the loan (so far) and their automatic payment and website registration is basic but easy.
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01/23/2015 - techraonin
Closed refinance loan. Downtown, San Jose, CA

Just refinanced home with Tim Tusing. I was skeptical about using an online lender , but finally decided to pull the trigger. Submitted a quote through Zillow on a Saturday night and got a response from Tim the very next day. Tim was able to provide me the same rate as provided by Zillow. We did come across minor issue with my credit score, when we initially pulled the report I was 1 point below getting the best rate possible. Tim suggested pulling the report 3 weeks later after paying off a couple of credit cards. It worked and I was able to refinance with the same rate he initially quoted. The whole process was quick and easy. All communication was done through email. I submitted forms online through a secure upload. If there was any questions, Tim would call or email a reply immediately. Tim schedule the appraisal and the closing to fit my schedule. Overall,the whole process was a lot easier than expected. If your thinking about doing a refinance, don't hesitate using North Pointe and working with TIm.  More Less 

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01/23/2015 - kellyrstufft
Closed refinance loan.

I found the refinancing process quick, and simple, and had no problems communicating with my agent- even though he wasn't located nearby. My questions were always answered promptly and thoroughly either by email or phone.

Plus, NorthpointeBank's rates were the best available!

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